Refrigerated Truck Insurance
A refrigerated truck carries two risks at once, the vehicle and the temperature-sensitive freight inside it.
We arrange refrigerated truck insurance that covers the truck, the reefer unit and the cargo when the cold chain breaks.
Cover that understands that a fridge failure is a freight claim, not just a mechanical one.
Cover for the Truck and the Cold Chain
In refrigerated transport, the most expensive claim is often the load, not the truck.
A refrigeration breakdown on a hot day can spoil an entire consignment in hours.
We structure cover that protects the vehicle, the reefer unit and the goods, so a unit failure does not cost you the freight and the customer.
“In reefer work the freight can be worth more than the truck. The cover has to protect both.”
What Refrigerated Truck Insurance Typically Covers
Cover is tailored to your routes and freight, and generally includes the following.
- Accidental damage, collision and rollover to the truck
- Damage to the refrigeration unit and insulated body
- Spoilage of refrigerated goods after a unit breakdown
- Fire, theft and attempted theft
- Third-party property damage
- Towing, recovery and salvage
- Replacement vehicle or downtime options
- Cover while loading and unloading temperature-sensitive freight
Cover varies by insurer and how you operate. We confirm exactly what is and isn’t included before you rely on it.
The Risks a Refrigerated Truck Faces
Cold chain work adds exposures a dry-freight truck never sees.
Refrigeration Breakdown
A failed reefer unit can spoil an entire load before anyone notices, turning a mechanical fault into a major freight claim.
Cold Chain Liability
Spoiled perishable goods can mean a rejected delivery and a liability claim from the customer.
High-Value, Time-Critical Loads
Perishable freight is valuable and unforgiving, with no margin for delay or temperature drift.
Cover Types That Work With Refrigerated Truck Insurance
Reefer operators almost always pair the truck policy with cargo cover.
Get Refrigerated Truck Insurance Sorted Properly
Talk to a specialist transport and plant broker who knows what your asset is worth and how it works.
Call 1300 78 78 25Other Vehicles & Equipment We Cover
Most operators run more than one type of asset. These are the ones most often insured alongside it.
Get a Refrigerated Truck Insurance Quote
Tell us about your asset and how you use it. We’ll arrange cover that fits and respond within 1 business day.
Call us1300 78 78 25Refrigerated Truck Insurance: Frequently Asked Questions
It can. Spoilage cover after a refrigeration breakdown is a key part of reefer insurance, usually arranged through cargo or goods in transit cover. We make sure it is in place, not assumed.
Yes. The reefer unit and insulated body are scheduled as part of the truck so breakdown and accidental damage to the unit are covered.
That is a liability exposure, and we arrange transport liability cover so a rejected or spoiled consignment does not come straight out of your pocket.
Yes. Motor fleet insurance can bring multiple refrigerated trucks under one policy and renewal.
Compliance Disclaimer: This information is general in nature and does not take into account your objectives, financial situation or needs. Please consider the relevant Product Disclosure Statement (PDS) before making any decision.